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Old 06-18-2007, 10:44 AM   #1
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Roof Redo?

We had a hail storm here about 2 months ago. Well, most of the neighbors started getting their roofs replaced - I started to wonder, so I called my insurance company.

They sent out an adjuster who stated to me that my roof was on the borderline - but he was recommending a new roof

Here's my issue - the roof is about 4 years old - GAF - 40 year archetectural (sp) and I don't want to replace unless it needs it. Any ideas of how to get a second opinion?

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Old 06-18-2007, 10:54 AM   #2
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You will not get the full insurance reimbursement if you do not replace the roof. There is an ACV, actual cash value, and an RCV Recoverable Cash Value.

It depends on the type of policy you have.

You also are not obligated to get 3 bids if you have a preferred contractor you feel like choosing, as long as his price is acceptable to the insurance company, and you replace with a similar like value roof with no ugrades trying to get charged off to the insurance company.

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